We had a great family pet for 14 year and never had any medical issues. When he passed away we decided that our house was not a home with a dog, Enter Bentley a very active fun loving Labradoodle. Bentley decided that eating things not meant for puppy would be fun. It was not 3 days at the Vet surgery and a vet bill that almost put me in the hospital was all we needed to look into Pet Insurance. After carefully reviewing all the polices including the one my vet's office suggest I decided on Embrace They were the one that had the most value for the money spent. Sadly our puppy once again decided to eat something he should not and was a the vet again (no Surgery required) but the final bill was easier to handle knowing that Embrace had our back This was one of the better decision I have made as a pet owner.